Compensation from Bank

CEON44

Need a bit of advice in a hurry. couple of months ago we got a call from a lady who lives in Northern Ireland same as us, who has the same name as my wife. She had asked her bank, The Ulster Bank, to send her some old statements. Instead they sent her my wifes bank details along with details from another bank client of the same name. As she basically had all my wifes information she decided to contact us to let us know of the error. She then told the bank who were none too happy that she had called us. anyway the bank admitted that they had breached the data protection laws and today my wife was called by the bank and offered £300 in compensation. Now while this sounds ok I have no idea what sort of payment would be expected in these circumstances. Bank are to call back later today to see if this payment is acceptable. So I'm keen to hear what the norm would be in this situation. Thank you

dunstonh

That is actually quite a high figure for a data protection breach. Typically you see £50-£250 as more common. That is a nice result.

CEON44

Thank you, a great help

CEON44

Update: Bank called back today as scheduled. My wife went down the road of not committing to the offer of £300 immediately, to see if there was a better offer. The bank official immediately offered £450, to which my wife countered, make it £500 and we have a deal. This was immediately accepted by the bank!! Makes you wonder how far it could have been pushed

Ali69

Hi all just found paper work which said I had cancelled a cover protection policy with mbna in 2012 I have rang the company and they said I had it with mbna can I claim back on this as it isn't. Ppi but a cpp , I can rber them ringingly years ago about this I said yes just to get them of the phone , and have now recently cr across paper work for it , any help would be great

leclerc

Ali69 wrote: »

Hi all just found paper work which said I had cancelled a cover protection policy with mbna in 2012 I have rang the company and they said I had it with mbna can I claim back on this as it isn't. Ppi but a cpp , I can rber them ringingly years ago about this I said yes just to get them of the phone , and have now recently cr across paper work for it , any help would be great

You probably would be better starting a new thread on the reclaiming PPI board and they may be able to answer the question. CPP is effectively similar to PPI so is claimable should you be eligible.

[Deleted User]

CEON44 wrote: »

Update: Bank called back today as scheduled. My wife went down the road of not committing to the offer of £300 immediately, to see if there was a better offer. The bank official immediately offered £450, to which my wife countered, make it £500 and we have a deal. This was immediately accepted by the bank!! Makes you wonder how far it could have been pushed

I say, what a lovely fairy tale ending. :A

Nightie-night. Don't let the bed bugs bite.

dunstonh

CEON44 wrote: »

Update: Bank called back today as scheduled. My wife went down the road of not committing to the offer of £300 immediately, to see if there was a better offer. The bank official immediately offered £450, to which my wife countered, make it £500 and we have a deal. This was immediately accepted by the bank!! Makes you wonder how far it could have been pushed

The FOS fee would have been £500. So, they were probably factoring that in with their calculation. Even if they withdrew the offer if you went to the FOS and offered a smaller figure more typical of the awards you see, they would still end up paying £500 plus revised offer.

YorkshireBoy

dunstonh wrote: »

The FOS fee would have been £500. So, they were probably factoring that in with their calculation. Even if they withdrew the offer if you went to the FOS and offered a smaller figure more typical of the awards you see, they would still end up paying £500 plus revised offer.

The FOS fee is £550 now.

Also, it's not charged unless the complaint is passed up to an adjudicator (and currently only one in six complaints take this route), ie because it can't be handled by a member of their frontline staff.

I'd suggest this particular complaint wouldn't need to be passed up. After all, liability has been admitted...only the 'value' is being disputed/negotiated.

leclerc

YorkshireBoy wrote: »

The FOS fee is £550 now.

Also, it's not charged unless the complaint is passed up to an adjudicator (and currently only one in six complaints take this route), ie because it can't be handled by a member of their frontline staff.

I'd suggest this particular complaint wouldn't need to be passed up. After all, liability has been admitted...only the 'value' is being disputed/negotiated.

YB am slightly off topic but if someone asks for the adjudicator to look at the case once a frontline member of staff has declined it would that count as a chargeable case?

Wywth

leclerc wrote: »

YB am slightly off topic but if someone asks for the adjudicator to look at the case once a frontline member of staff has declined it would that count as a chargeable case?

Why would this need to go any further than a frontline responder?

If we have been given the full facts here, then this seems to be a very simple case. The bank have admitted their error and made an offer of compo.

The only thing the FOS need to decide is whether the offer of compo was reasonable. It would consider such things as what loss the customer incurred (apparently none) and the values of compo typically awarded in such situations (dunstonh says £50-£250)

Therefore the offer of £300 is above the normal range and in the absence of any other facts not disclosed, the FOS probably wouldn't ask the bank to pay any more i.e. an abnormally high amount.

Therefore the original offer on the table would stand (assuming the bank don't reduce it, which they could, but again typically they don't)
The offer would be subject to acceptance by the customer.

Or the customer can take the matter to court to justify to a judge why they feel they should receive an abnormally high amount in this instance.